Equities, bonds, property and cash are commonly-held investments in personal portfolios. But for those who like to dip into less conventional areas, there are numerous possibilities - and potential risks.
In the summer of 2007 it became clear something wasn’t quite right in the markets, and the events that began to unfold then have had lasting effects – some far more positive for investors than might have been expected.
Paper shares may feel something of an anomaly in a digital world where investment transactions are almost always paperless. Yet it’s thought that millions of people still hold physical share certificates.
Story published: 9 March 2017 (Updated 28 March 2017)
Aside from announcing a cut in the tax-free Dividend Allowance from £5,000 to £2,000 in the 2018/19 Tax Year, Philip Hammond’s first (and last) Spring Budget brought little in the way of news for savers and investors.
We are pleased to announce that for the year ending 31 December 2016 we have delivered a profit on continuing business before non-recurring expenses of £1.242m. Operating income also grew 57.9% to £21,627k.
In the days of a ‘job for life’, keeping track of your pension was straightforward. Now, on average, people have had 11 jobs by the time they retire and many will have paid into pensions through several employers.
The ups and downs of markets, and the economic news and forecasts that followed the EU referendum, may not have been a recipe for investor confidence over the summer. But there are potential bright spots, including signs that emerging markets economies are staging some form of recovery.
The weeks since the EU referendum have seen mixed signals for investors. Whilst financial organisations like the International Monetary Fund (IMF) downgraded their forecasts for the UK economy, the FTSE-100 rebounded from a sharp fall in the immediate wake of the referendum to reach a 12-month high in mid August.
The popularity of income-generating investments looks set to grow after an EU referendum result that, last week, saw the Bank of England reduce interest rates to a historic low of 0.25% and is likely to keep them down for some time to come.
Alliance Trust Savings, one of the UKs leading investment and savings platforms, has delivered a
profit for the first half of 2016 following a 40% rise in assets under administration and 31% net
increase in customer accounts during the first half of 2016.
Few of us would have imagined that, when interest rates fell to 0.5 per cent in March 2009, they would remain at that same level more than seven years on, and that we would potentially be facing a further move downward.
Pound cost averaging might be a simple concept, but it’s one of the most compelling arguments in favour of regular investing. It’s particularly useful when investing in uncertain or volatile markets, reducing your exposure to the risk of getting the timing wrong.
When an investor is looking to understand how a company's shares are valued by the market they will often look at a price- to-earnings (PE) ratio. However this metric has its limitations and it can be useful to examine other yardsticks when forming a view on a stock.
You paid your pension contributions, then you let your pension plan get on with it. When you retired you’d get the proceeds, but with little idea of how your savings had got from A to B. That was how saving for retirement used to be
Saving for your retirement was a relatively simple affair, not so long ago. You typically worked for one or two employers during your career, joined their defined benefit (DB) schemes and in return got a guaranteed regular income during retirement.
Some investors in the stock market have had too strong a track record to dismiss their success as chance. By tapping into the wisdom of greats like Warren Buffett, you can avoid some common pitfalls of investing and this should, in turn, help you to nurture and protect your portfolio.
Your pension journey starts as soon as you begin planning for your retirement and it carries on throughout your life. In the first of our two-part series we look at the journey and give you the milestones you need to ensure that you stay on track for the retirement you want.
After last week’s Budget, Alliance Trust Savings’ Senior Pension Proposition Manager, Brian Davidson, wonders whether the writing is now on the wall for pension tax relief and what that might mean for pension investors.
There are a number of checks you should make before the end of
the tax year on 5 April to ensure you are making the most of the
allowances afforded to you by the Government on your savings
Alliance Trust Savings Limited is a subsidiary of Alliance Trust PLC and is registered in Scotland No. SC 98767, registered office, PO Box 164, 8 West Marketgait, Dundee DD1 9YP; is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115. Alliance Trust Savings gives no financial or investment advice.